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Best savings rates: General savings - Internet and branch

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Why these are the web's best savings tables: they are completely independent and unique...

Accounts with catches are stripped out or shown separately Compiled by savings expert Sylvia Morris (see below) Unlike other web tables, providers do not have to pay to appear.

Other popular tables: Easy access| Fixed-rates| ISAs| Monthly income| Junior ISAs | 50+

ONLINE ACCOUNTS - easy access Type of account (min investment) 0% tax 20% tax 40% tax (2) You are limited to just one withdrawal a year. (3) Includes a 1.2 percentage point bonus payable until 30 june 2014.. (4) You are limited to just four free withdrawals a year. (5) Open to new savers who have not had a Direct Savings account with the bank for the last six months. Rate includes a fixed bonus of 1 percentage points for 12 months (7) Includes a 0.60 percentage point bonus payable for the first twelve months. (8) Just one free withdrawal a year allowed on this account. Rate includes a 1.2 percentage point bonus for the first year. (9) Guarantees to pay at least 1 percentage points about base rate until November 2013 (10) Plus an additional 0.1 per cent to Bobby Robson Foundation charity (12) Licensed to Bank of Ireland UK subsidiary - more explained here. (13) For those age 60 and over only (18) Including a 0.35 percentage point bonus for one year. BONUS accounts- These accounts pay a bonus for the first 12 months or more. These are the rates including the bonus: Nationwide MySave Plus (£1,000+)(8) 1.70 1.36 1.02 Derbyshire NetSaver Issue 11 (£1+) (3) 1.70 1.36 1.02 Post Office Issue 10(7) (12) 1.50 1.20 0.90 Accounts WITHOUT bonus- These rates are not boosted by a temporary bonus that drops off after a year: Coventry BS Online Saver 5(£1+)(4) 1.60 1.28 0.96 Virgin Easy Access Online Issue 6(£1+) 1.55 1.24 0.93 GE Capital Direct GE Saver Issue 4(£500+) 1.50 1.20 0.90 Principality e-Saver 10(£1+) 1.50 1.20 0.90 Kent Reliance Banking Services Easy Access 4(£1,000+) 1.50 1.20 0.90 Newcastle BS Bobby Robson Foundation 4(10) 1.50 1.20 0.90 National Savings & Investments Direct Saver(£1+) 1.50 1.20 0.90 State Bank of India(£500+) 1.50 1.20 0.90 Aldermore Easy Access(£1,000+)Issue 6(9) 1.50 1.20 0.90 Yorkshire BS Internet Saver(£1+) 1.40 1.12 0.84 Sainsbury's Extra Saver(£1+) 1.30 1.04 0.78 Saffron BS e-Saver 10(£10+) 1.25 1.00 0.60 Tesco Internet Saver(£1+) 1.25 1.00 0.60 Skipton eSaver Issue 2(£1+) 1.20 0.96 0.72

BRANCH-BASED ACCOUNTS Instant access Type of account (min investment) 0% tax 20% tax 40% tax (1) You are limited to two free withdrawals a year. (2) Plus an additional 0.1 per cent to Bobby Robson Foundation Charity. (3) Guarantees to pay base rate. Min withdrawal £50. No cash withdrawals. (4) You are limited to 3 withdrawals a year. (5)Open to those which children up to 18. (6) Includes a 1.25 percentage point bonus for one year. You can only open an account by moving money to the society - not by transferring money from an existing account with the society. (8) Includes a 1.25 percentage point bonus for the first 12 months. (9) Excludes 1.5 percentage point bonus payable for the first year. There is no guarantee linking the rate to base rate. You have to apply over the internet or telephone for this account. (10) Only available to Nationwide's current account holders. (11) Includes 0.5 percentage point bonus for 12 months. (13) Licensed to Bank of Ireland UK subsidiary - more explained here BONUS accounts- These accounts pay a bonus for the first 12 months or more. These are the rates including the bonus: Post Office Instant Saver(£500+)(8)(13) 1.35 1.08 0.81 Barclays Bank Everyday SVER (£25,000+) 1.10 0.88 0.66 Halifax Everyday Reward(£1+) (11) 1.00 0.80 0.60 Accounts WITHOUT bonus- These rates are not boosted by a temporary bonus that drops off after a year: Chelsea BS Triple Access Saver (£100+)(4) 1.65 1.32 0.99 Barnsley BS Triple Access Saver(£100+)(4) 1.65 1.32 0.99 Yorkshire BS Triple Access Saver(£100+) (4) 1.65 1.32 0.99 West Bromwich BS Branch Access 3 (£1,000+)(1) 1.60 1.28 0.96 Virgin Easy Access Issue 6(£1+) 1.55 1.24 0.93 Nationwide Flexclusive 3 (£1,000+)(10) 1.50 1.20 0.90 Kent Reliance Banking Services Easy Access 4(£1,000+) 1.50 1.20 0.90 Newcastle BS Bobby Robson Foundation 4(2) 1.50 1.20 0.90 Norwich & Peterborough Family Easy Access(£1+) (5) 1.00 0.80 0.60 Tesco Personal Finance(£10,000+) (1) 1.00 0.80 0.60 Skipton My Savings Issue 3(£1+) 1.00 0.80 0.60 Tesco Personal Finance(£1) (1) 0.75 0.60 0.45 Derbyshire Easy Save Tracker 2(£100+) (3) 0.50 0.40 0.30

All our best savings rates tables... 

General savings (internet, branch-based) Fixed-rate accounts Phone/postal accounts Best cash Isas Junior Isas and children's savings accounts Child Trust Funds (CTFs) National Savings Monthly income savings accounts Offshore accounts Accounts for older savers (50+)

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Dear Reader,

These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.

Sylvia Morris

They are completely unbiased - we simply show the best rates around and don't do 'featured deals'.

We've gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.

In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.

But with interest rates so low, most of today's best deals have some sort of clause built in, whether that's a bonus or a restriction on withdrawals.

For that reason, we've included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.

If there is a restriction on withdrawals we have made this clear in the notes on each account.

We also ignore old-style 'notice' accounts where the bank or building society can demand you give up to six months' notice that you want to take our money out while it can change the rate at any time without warning.

All banks and building societies are registered with the Financial Services Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank's home country. In Europe it is €100,000).

Sylvia Morris, This is Money savings tables expert

If you have a question about the tables email sy.morris@dailymail.co.uk and editor@thisismoney.co.uk

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